>> almost go city by city, geography by geography and look at the prospects for population trends. i think that is the right answer. this is not an aggregate american question. dallas does not know what the toward is talking about. the population is going to. or houston -- it is not in their thought process to think they have a problem with unemployment or housing. other places have it. parts of massachusetts have it. i think this has to be very local to figure out how to solve it. i think the availability of credit is fine. i am not sure that is altogether a bad thing. i think we have a lot more granular to figure out what the right answer should be as opposed to try to figure out by community or state. >> can you talk about the customer relationship and how it changes to the dramatic really some chips with the bank over the last several years. your coverage regarding homebuyer education and the huge lessons of the past few years people need to understand what they're getting into when they make this enormous commitment. let me ask you about a different change in the customer rela